Terms of Use

Last updated: 25 May 2021

PLEASE READ THE FOLLOWING CAREFULLY BEFORE ACCESSING THE SITE.

Welcome to www.ratemaster.net, which encompasses all subdomains, content, and trademarks. Prior to utilizing our services, we kindly request that you take a moment to peruse these Terms of Use to comprehend your rights and obligations. By accessing or using our site, you are agreeing to be legally bound by these Terms of Use, which includes our Privacy Policy. This agreement is a binding contract between you and us. Unless the law prohibits you from relinquishing any rights to request non-electronic documents or an original signature, if you do not wish to be bound by these terms, we kindly request that you refrain from accessing or using our site.

1. Modification.

Kindly be informed that we reserve the right to modify these Terms at any time as deemed fit. Such modifications will become effective ten (10) days after we publish the updated Terms on the Site. By continuing to use the Site after this period, it indicates your acceptance of the revised Terms.

2. Ability to Accept Terms.

The Site is intended for individuals who are 16 years old or above. If you are under 16 years of age, please refrain from using the Site.

3. Site Access.

While these Terms are in effect, you may access and use the Site if you comply with these Terms and all applicable laws.

4. Restrictions.

Please be aware that it is strictly prohibited to copy, distribute, exhibit, replicate, frame, or alter any part of the Site, Content, or Marks (as defined below) without our prior written permission. Moreover, you are not allowed to modify, transmit (by means of sale, resale, license, sublicense, download, or any other method), create derivative works from, reproduce, distribute, exhibit, or provide Content (as defined below) except as explicitly authorized here. Lastly, please refrain from using or initiating any automated system, program, algorithm, or method that may disrupt the proper functioning of the Site or its services.

5. Intellectual Property Rights.

5.1.Content and Marks.

The content on this website, such as text, files, articles, brochures, descriptions, products, software, graphics, photos, sounds, videos, user interfaces, visual layouts, images, brand names, logos, music, artwork, computer code, interactive features, and services, collectively referred to as "Materials," are protected by copyright and other intellectual property laws and treaties. The arrangement, selection, coordination, expression, "look and feel," and structure of these materials are also safeguarded.

This website includes user submissions, trademarks, service marks, and logos that are owned, controlled, or licensed by www.ratemaster.net. The intellectual property related to the website, including the website logo and other distinctive marks, are the property of www.ratemaster.net or its affiliated entities. The trademarks, service marks, and logos of their respective owners are used on the website with permission.

Please note that additional protections beyond those explicitly mentioned apply to the Site and its Content due to reserved rights.

5.2.Use of Content.

The content and materials found on this website are intended solely for personal use and informational purposes. Any unauthorized use, modification, reproduction, distribution, transmission, public display, sale, licensing, decompilation, reverse engineering, or any other form of exploitation of the content for non-personal use is strictly prohibited without our prior written consent. Creating derivative works from the content is also not permitted. If you choose to download or print any content, it is important to maintain all copyright and proprietary notices intact.

6. Third-Party Sources and Content.

6.1. The Site allows you to view, access, link to, and use content from sources not owned or controlled by us, referred to as 'Third Party Content' (defined below).

Our platform allows you to communicate and interact with external sources, which are categorized into two: (i) external websites and services that are not affiliated with our organization, and (ii) our partners and customers. As a user, you have the option to engage with both types of sources on the platform.

6.2. We do not have any control over the actions or content provided by Third Party Sources.

Kindly take note that we are unable to assume any responsibility for the content, terms of use, privacy policies, actions, or practices of third-party sources. We suggest that you go through the terms of use and privacy policy of each source before interacting with them in any way.

6.3. We explicitly disclaim all warranties regarding Third Party Content's accuracy, appropriateness, usefulness, safety, or Intellectual Property Rights.

6.4. While using the Site, you may encounter Third Party Content that is inaccurate, offensive, indecent, or objectionable.

As a user, you have the option to either engage with a Third Party Source or use Third Party Content. It is entirely up to you to decide whether or not to interact with a Third Party Source and rely on the Third Party Content. Please be aware that you assume all responsibility for your decision and any potential risks involved.

6.5. You are responsible and liable for any interaction with a Third Party Source.

By accessing the Site, the user agrees to release any legal or fair rights or claims against www.ratemaster.net and to hold www.ratemaster.net harmless from any liability that may arise from their use of and interaction with any Third Party Content, as well as any interaction with any Third Party Source. If you have any concerns or complaints about a Third Party Source or any Third Party Content, it is your responsibility to contact the Third Party Source directly.

7. User Submissions.

7.1. Responsibility.

On this platform, individuals can share, post, and distribute materials, known as 'User Submissions,' on behalf of themselves or others. Please be aware that the confidentiality of any User Submission cannot be guaranteed, regardless of whether it is published. The individual who submits the content is solely responsible for their User Submission and any potential consequences that may arise from its posting, publication, or uploading.

We retain the right to determine whether to publish user submissions and to monitor, censor, alter, delete, or remove any content, including user submissions, without prior notice and at our discretion for any reason.

7.2. Ownership.

By using this site, you declare and promise that you have the legal ownership or necessary permissions to let us use any intellectual property rights associated with your user submissions. You also allow us to use and include your submissions as per the terms outlined in our agreement. When we refer to "content," we mean your user submissions as well. Intellectual property rights include a range of rights, such as trade secrets, patents, copyrights, service marks, trademarks, and other similar forms of intellectual property rights. It also encompasses moral rights, rights of privacy, publicity, and any other similar rights recognized by the laws or regulations of any governmental, regulatory, or judicial authority, whether foreign or domestic. You maintain full ownership rights over your user submissions.

7.3. License to User Submissions.

When users upload their content to www.ratemaster.net, they are granting the site a license that is non-exclusive, worldwide, transferable, sub-licensable, royalty-free, perpetual, and irrevocable. This license allows www.ratemaster.net to use, reproduce, distribute, display, and perform the user's content, including creating derivative works, in connection with the site andwww.ratemaster.net's business. www.ratemaster.net also has the right to distribute all or part of the user's content (including derivative works) through any media channels and in any media format.

By using the Site, the user agrees to waive their moral rights in their User Submissions, as permitted by law. Additionally, the user grants a non-exclusive right to use, reproduce, distribute, create derivative works, display, and perform their User Submissions to any viewer or user of the Site, subject to the terms outlined in these Terms.

7.4. Prohibited Content.

In order to ensure the safety and fairness of our platform, we kindly request that users avoid sharing any User Submissions that fall under the following categories:

(i) Contains unjust or misleading information that violates consumer protection regulations in any jurisdiction.

(ii) Infringes upon the copyright, trade secret, or other proprietary rights of a third-party, including privacy and publicity rights, unless the user is the rightful owner of said rights.

(iii) Poses a threat to an individual's safety or health, jeopardizes public safety or health, undermines national security, or obstructs a law enforcement investigation.

(iv) Assumes another individual's identity.

(v) Promotes the use of illicit drugs, violates export control regulations, engages in unlawful gambling, or participates in the illegal trade of weapons.

(vi) Engages in illegal activities, such as slander, libel, harassment, sexual explicitness, discrimination against a particular race or ethnicity, or incites criminal behavior, civil liability, or violates any legal statute.

(vii) Pertains to acts of theft or terrorism.

(viii) Involves any actions that are malicious or fraudulent.

Please note that any User Submission that falls into these categories will be removed, and further action may be taken.

7.5. Exposure.

When using the Site, you may encounter User Submissions from different sources. Please note that www.ratemaster.net is not responsible for these User Submissions' accuracy, usefulness, security, or Intellectual Property Rights. Some User Submissions may also be inaccurate, offensive, indecent, or objectionable. By agreeing to these terms, you are giving up any legal or equitable rights or remedies you may have against www.ratemaster.net related to these issues.

8. Information Description.

We aim for accuracy, but please note that we cannot guarantee the completeness, reliability, or accuracy of the content on our website. We have the right to modify the content as we see fit without notice. Please be aware that using any part of the content is solely at your own risk and responsibility.

9. Disclosure.

It's important to know that the company may gather, analyze, store, and reveal any information collected through your use of the Site and interactions with it. This will only happen when it is reasonably required for the following purposes:

(i) To comply with any relevant laws, regulations, legal procedures, subpoenas, or governmental requests.

(ii) To investigate potential breaches of our Site Terms.

(iii) To detect, prevent, or address fraudulent or security concerns, as well as technical issues.

(iv) To provide assistance and respond to user inquiries.

(v) To safeguard the rights, assets, or welfare of www.ratemaster.net, its users, or the general public.

Please be aware that we highly value your privacy and will only access your data when it is necessary and in accordance with our Privacy Policy.

10.1. The Site may include links and allow you to post content to third-party websites not owned or controlled by www.ratemaster.net.

Please note that our organization is not affiliated with any third-party websites and we are not responsible for their content, privacy policies, or actions. It is your responsibility as a user to use these websites in a safe and responsible manner, and to be mindful of any information you share on them. Please understand that we cannot be held liable for any problems that may arise from your use of external websites. To protect yourself, we suggest that you thoroughly read the terms and conditions and privacy policy of any third-party website you plan to visit.

10.2. We permit you to link to the Site provided that:

When linking to our website, please adhere to the following guidelines:

1. Avoid duplicating any page on our site with your hyperlink.

2. Use accurate hyperlink text to describe our content.

3. Do not misrepresent your relationship with our site or provide false information about us.

4. Do not imply that we endorse any services or products without our expressed consent.

5. Linking from a website with offensive or controversial content or that infringes on intellectual property, privacy rights, or any other rights is prohibited.

6. Ensure that you and your website comply with our terms and applicable laws.

11. Privacy.

The website usage is subject to compliance with our Privacy Policy. Kindly review the policy to learn more about the data we collect and use.

12. Warranty Disclaimers.

12.1. This section applies whether services are paid or free.

It's possible that some warranties excluded here may not be legal.

12.2. THE SITE IS PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

THE WEBSITE IS CURRENTLY OFFERED WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES AND IS ACCESSIBLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. WWW.RATEMASTER.NET EXPLICITLY DISCLAIMS ANY AND ALL GUARANTEES, WHETHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED GUARANTEES OF MERCHANTABILITY, OWNERSHIP, FITNESS FOR A SPECIFIC PURPOSE, NON-VIOLATION, AND THOSE THAT ARISE FROM LEGAL PROVISIONS OR CUSTOMARY BUSINESS PRACTICES. WWW.RATEMASTER.NET CANNOT GUARANTEE THAT THE WEBSITE WILL BE FREE OF BUGS, SECURITY BREACHES, OR VIRUS ATTACKS. PERIODIC MAINTENANCE, UPGRADES, OR OTHER REASONS MAY RESULT IN THE OCCASIONAL UNAVAILABILITY OF THE SITE.

THE USER ACKNOWLEDGES THAT WWW.RATEMASTER.NET WILL NOT BE HELD LIABLE FOR ANY POTENTIAL REPERCUSSIONS THAT MAY ARISE FROM TECHNICAL DIFFICULTIES RELATED TO INTERNET CONNECTIVITY, SLUGGISH NETWORK SPEEDS, OR SERVER CONGESTION, WHETHER IT PERTAINS TO WWW.RATEMASTER.NET"S OWN SERVERS OR THOSE OF OTHER ENTITIES. THE THIRD-PARTY CONTENT, PRODUCTS, OR SERVICES FEATURED OR ADVERTISED ON THE SITE ARE NOT WARRANTED, ENDORSED, OR GUARANTEED BY US.

12.3. WWW.RATEMASTER.NET DOES NOT PROVIDE ANY ASSURANCE, APPROVAL, OR GUARANTEE FOR USER-SUBMITTED CONTENT AND DISCLAIMS ALL RESPONSIBILITY FOR IT.

12.4. THE USER ACKNOWLEDGES THATWWW.RATEMASTER.NET IS NOT RESPONSIBLE FOR ANY USER SUBMISSIONS OR CONDUCT, INCLUDING DEFAMATORY, OFFENSIVE, ILLEGAL, OR NEGLIGENT BEHAVIOR. THE USER ALONE IS RESPONSIBLE FOR ANY RESULTING HARM OR DAMAGE.

12.5. AS THE USER, IT IS SOLELY YOUR RESPONSIBILITY TO USE THE CONTENT ON THE SITE, INCLUDING USER SUBMISSIONS, AND INTERACT WITH ANY THIRD-PARTY ENTITIES FEATURED ON THE SITE. IF ANY DISAGREEMENT ARISES WITH A THIRD PARTY DUE TO THE USE OF THE SITE, PLEASE NOTE THATWWW.RATEMASTER.NET WILL NOT BE HELD RESPONSIBLE FOR ANY CLAIMS OR DAMAGES RELATED TO SUCH DISPUTES.

12.6. WE CANNOT ENSURE THE SAFETY AND SECURITY OF ANY INFORMATION OR ACTIVITIES YOU ENGAGE IN ON OUR WEBSITE UNLESS EXPLICITLY OUTLINED IN OUR PRIVACY POLICY.

12.7. WE AIM TO PROVIDE INFORMATIVE CONTENT ABOUT OUR FEATURED PRODUCTS AND SERVICES.

Our goal is to provide you with helpful information about our products and services. To do so without charging you, we seek alternative sources of income. One such option is to charge third-party entities for placement on our website. We may also receive payment when users visit or purchase from these entities. However, any compensation received from www.ratemaster.net will not influence the content we share about any specific third-party entity on our website.

13. Limitation of Liability.

13.1. AS PER THE TERMS AND CONDITIONS, WWW.RATEMASTER.NET CANNOT BE HELD ACCOUNTABLE FOR ANY INDIRECT, EXEMPLARY, SPECIAL, CONSEQUENTIAL OR INCIDENTAL DAMAGES OR LOSS OF DATA, REVENUE, PROFITS, OR REPUTATION THAT MAY ARISE FROM YOUR USE OF THE WEBSITE. THIS LIABILITY LIMITATION IS APPLICABLE TO THE MAXIMUM EXTENT PERMISSIBLE BY LAW, REGARDLESS OF WHETHERWWW.RATEMASTER.NET WAS INFORMED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.

In some areas, avoiding responsibility for minor or indirect damages may be illegal. This means the restrictions mentioned above may not apply to the user.

13.2. ACCORDING TO THESE TERMS, WWW.RATEMASTER.NET IS ONLY RESPONSIBLE FOR A MAXIMUM OF $1,000 IN DAMAGES RESULTING FROM THE USE OR INABILITY TO USE THE SITE.

14. Indemnity.

As a user, it is your responsibility to ensure the protection, compensation, and release of www.ratemaster.net and its affiliates, as well as their officers, directors, employees, and agents, from any legal claims, damages, liabilities, losses, responsibilities, expenses, and costs (including attorney's fees) that may arise from your use or inability to use the Site, your User Submissions, your interactions with other Site users, or your violation of these Terms.

15. Term and Termination.

These terms will be valid until either the user or www.ratemaster.net decides to end them. www.ratemaster.net has the authority to terminate these terms and/or your access to the website, or any part of it, unilaterally at any time and for any reason, including violating these terms. www.ratemaster.net is not responsible to you or anyone else for discontinuing the website or its components.

If you disagree with any provision in these terms or any subsequent changes to them, or if you are dissatisfied with the website in any way, your only choice is to stop using the website promptly. When these terms end, you are expected to stop all website usage. Certain sections, including sections 5 (Intellectual Property Rights), 7.3 (License to User Submissions), 11 (Privacy), 12 (Warranty Disclaimers), 13 (Limitation of Liability), 14 (Indemnity), and 16 (Independent Contractors) to 18 (General), will continue to be in effect even after termination of these terms.

16. Independent Contractors.

You and www.ratemaster.net are considered separate entities, and these Terms do not establish a partnership, joint venture, agency, or employment relationship between you and www.ratemaster.net. You should not make any warranties, representations, commitments, or obligations on behalf of www.ratemaster.net.

17. Assignment.

As a user, you cannot transfer or assign these Terms, including related rights and licenses. However, www.ratemaster.net may transfer or assign these Terms without any obligation to notify you.

18. General.

Please note that the website at www.ratemaster.net may be changed or terminated without prior notice at the discretion of those in charge. The agreement between the user and the company will be governed by the laws of the state where the company is located, regardless of any other laws. These Terms serve as the complete agreement between the user and the company regarding the Site.

If a court of competent jurisdiction finds any provision of these Terms to be invalid, the remaining provisions will still be valid and enforceable. The failure to enforce any provision of these Terms does not imply a waiver of that provision or any other provision. Additionally, if a party does not assert a right or provision under these Terms, it does not constitute a waiver of that right or provision. PLEASE NOTE THAT ANY LEGAL CLAIMS RELATED TO THE WEBSITE MUST BE MADE WITHIN ONE YEAR OF THE CAUSE OF ACTION, OR THEY WILL BE PERMANENTLY BARRED.